USDA Loan Vs. FHA loan pro & con Upper, Cape May County, NJ

During 2025, the USDA loan ceiling in Upper, located in the county of Cape May, NJ, is set at $391,900. The FHA loan ceiling for single-family homes is $548,550 in the same region.

Utilize the Lendersa® USDA loan calculator to weigh current USDA versus FHA interest rates. Determine income, credit, reserves, and documentation prerequisites for eligibility. Our cutting-edge mortgage calculator illustrates USDA, FHA, Conforming, and VA programs side by side, allowing you to choose the most suitable option in tailored to your financial needs.

Explore USDA and FHA Loan Options in Upper, NJ

Lendersa® aims to swiftly and effortlessly provide the best USDA or FHA loans. Choose from three initial approaches that lead to matching lenders and appropriate USDA loan programs.

Understanding USDA Loans in NJ

USDA home loans are government-guaranteed by the Department of Agriculture, often referred to as USDA rural development loans or USDA mortgages. Exclusively available in rural locales, unlike FHA mortgages demanding a 3.5% minimum down payment, USDA mortgages require no initial payment.

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(801) 855-8535 Lender's profile and map Reviews Summit Home Loans 375 N Main St, Suite 201, Kaysville, UT, 84037 Summit Home Loans is a residential mortgage brokerage that strives to provide the very best home financing experience in the industry. Our two main priorities are service and price, which we believe go hand in hand rather than trading one for the other. By providing a competitive and fun working environment.
(801) 595-7000 Lender's profile and map Reviews Continental Bank 15 West South Temple, Suite 420, Salt Lake City, UT, 84101 Continental Bank is a privately owned FDIC insured commercial bank founded in 2003 and headquartered in Salt Lake City, Utah. We specialize in commercial equipment financing for small and medium-sized businesses nationwide and are known both for our willingness to listen to our customers’ needs, and ability to fund their deals quickly.
(888) 390-1220 Lender's profile and map Reviews EnerBank USA 650 S Main Street, Suite 1000, Salt Lake City, UT, 84101 EnerBank USA is a highly specialized, national consumer lender that helps strategic business partners and independent home improvement contractors increase sales. Strategic business partners include manufacturers, distributors, franchisors, member or trade associations, and major retailers of home improvement, remodeling, and energy saving products
(573) 246-7087 Lender's profile and map Reviews Nelson Funding 222 S Main St, Suite 500, Salt Lake City, UT, 84101 Nelson Funding specializes in funding commercial mortgages Nationwide, US Territories, Mexico, Canada, and Caribbean. All property types eligible including hospitality, multifamily, industrial, retail, office, cannabis, special use, and more. Vanilla bridge loans close in 10 days or less. Challenging situations usually close in 14-21 days.
(385) 347-5950 Lender's profile and map Reviews Bonneville Financial Services, Inc. 1009 North Allington Drive North, North Salt Lake, UT, 84054 Bonneville Financial Services, Inc. was founded by Maria Thomson Frady in August 2003. She began her career in the Housing Market as a Real Estate Agent in Brazil in 1990. As an Independent Real Estate Agent, she focused on assisting her clients in buying, selling, and leasing properties in Recife, PE-Brazil.
(801) 466-9886 Lender's profile and map Reviews American Title Loans 3355 S State St, Salt Lake City, UT, 84115 At American Title Loans, our mission is to offer highly competitive services while treating each customer with a superior level of respect and understanding. Great customer service isn’t our goal, it’s our passion. We are passionate about creating a personal connection with each of our customers.
(801) 487-1692 Lender's profile and map Reviews TransWest Credit Union 37 West 1700 South, Salt Lake City, UT, 84115 TransWest Credit Union has been making loans since 1935. Originally the credit union for Utah employees of The Union Pacific Railroad, we now serve employees of Kennecott Copper Corporation and U.S. Magnesium, as well as all residents of Salt Lake County. TransWest Credit Union is a not-for-profit organization.
(801) 483-8396 Lender's profile and map Reviews Tanner Employees Credit Union 1865 S Main Street, Suite 2, Salt Lake City, UT, 84115 Tanner Employees Credit Union was founded by O.C. Tanner employees over 60 years ago, in 1957. This small group of employees wanted to unite and pool their money together to provide easier access to credit. From the beginning our credit union philosophy was “people helping people”, and remains the same today.
(801) 487-3219 Lender's profile and map Reviews Firefighters Credit Union 124 West 1400 South, Suite 101, Salt Lake City, UT, 84115 Firefighters Credit Union serves firefighters and their family members throughout the state of Utah. In order to be eligible to join the credit union, members must in one of the following groups: Full-time, part-time, or volunteer firefighter for a fire department located in the State of Utah Full-time or part-time employee of a fire departm
(801) 485-9585 Lender's profile and map Reviews Loans for Less 3396 S 300 W, Salt Lake City, UT, 84115 We specialize in getting you get the cash you need, when you need it. You can borrow up to $2, 500 on a personal or signature loan today without all the hassle of a bank or credit union. Loans For Less has been helping folks in Utah for over 19 years now, and we take a lot of satisfaction knowing we’ve helped many Utah families and individuals
(801) 545-6030 Lender's profile and map Reviews FinWise Bank 820 East 9400 South, Sandy, UT, 84094 FinWise Bank envisions a community where individuals, families, and small businesses have access to transparent financial products and services that provide exceptional value and are delivered on demand help our customers reach their financial goals by delivering exceptional products in a manner that continually surpasses expectations.